DO NOT INSURE YOUR BOAT WITH PROGRESSIVE

Discussion in 'General Discussion' started by bfernald0, Feb 18, 2021.

  1. joeyleggz

    joeyleggz Well-Known Member

    815
    Jan 15, 2013
    long island
    current boat: 1997 sea ray 330 express cruiser
    twin 454's efi
    Yachts are classified as 36 or larger I believe I know chub won’t give a boat under 36 feet as a yacht policy only a boat policy
     
  2. bfernald0

    bfernald0 Member

    42
    May 18, 2020
    Marina del Rey, California
    340 Sundancer 2001
    8.2L Mercruiser ECT Horizons

    This boat originally came with the log style exhaust, which had all of the water inversion problems. The next model year came with the waterlift mufflers. Unfortunately, all of the new engines are ECT in California. The ECT engines have a much larger manifold set up. While the engine is designed to replace a 7.4 or 8.1, you have to modify the exhaust to account for the larger manifolds. This was done by an authorized Mercury shop with over 40 years of experience. The waterlift mufflers and exhaust components were all purchased new. Now, the shop in MDR--also Mercury authorized with 40 years of experience--that put it back together post shaft break clearly did not put the clamps back on correctly. I'll have to address that with them.

    I added the fuel filter on the genny, and at least the inline is coast guard approved. Anyone who has one of these older westerbeke 4.5 kw generators with the Weber carbs knows they are incredibly sensitive. You can't have enough pre-filters on these things.
     
  3. FootballFan

    FootballFan Well-Known Member

    Jun 20, 2012
    Florida
    Marquis 59
    MTU Series 60
    I have not followed every single post in this thread, so if I missed something that renders my comments inaccurate, let me know.

    I would make sure I let my attorney who is filing the suit know that you have discussed this extensively on a public forum. Just my take...
     
  4. TTG

    TTG Member

    30
    Dec 24, 2019
    320DA—2007
    Just sold. On the hunt.
    Twin 350 MAG Inboards

    Third sentence in the original post he states “as a lawyer....”

    Anyway—fascinating read on both accounts. Keep us posted!
     
  5. bfernald0

    bfernald0 Member

    42
    May 18, 2020
    Marina del Rey, California
    340 Sundancer 2001
    8.2L Mercruiser ECT Horizons
    I am a lawyer, but I haven't shared anything that I wouldn't testify to if deposed. I'm also a longtime boater and a mechanically inclined one at that.

    Let me add some further background. I purchased this 340 Sundancer in February 2019. The prior owner purchased it new in 2001 ($190,000--won't ever see that pricing again for a new, 34' SeaRay). He was in his sixties at the time. The boat sat at the dock, where the owner would go sit on it at the dock and idle the engines. The microwave still had the Styrofoam insert in it to keep the rotating glass plate from moving around. All of the exterior carpeting was rolled up in the original plastic bags, never used. The engines had 180 hours and the generator 25. He passed away in late 2018 and his grandkids were looking to get rid of the boat quick.

    I sort of did what Dale did with his 340, but had a certified Mercury mechanic do all of the engine stuff. Though they had only 180 hours and looked brand new on the outside, the insides of the 7.4l MPIs were eaten alive. We pulled the engines and old exhaust and replaced them with brand new 8.2 Mercury big blocks and brand new exhaust. The generator was also pulled, refurbished and reinstalled. All of the electronics were pulled and replaced (with the exception of the Raymarine tridata). New bottom paint, pin striping, an inverter, sound system, etc. We splashed her in February 2020. She ran perfectly for 90 hours. So, all told, I have 90 hours on the new engines and 270 hours total on the 'drivetrain'.

    I experience a prop strike, which tears up the propeller, breaks the shaft, and screws up the port transmission. The yard, shaft supplier, mechanic, all concur. When the boat was hauled post shaft break, the yard manager commented that the boat looked 'brand new'.

    The insurer sends out an adjuster, who spends 4 minutes looking at the shaft, interviews no one (other than me), sees some 'beach marks' and concludes metal fatigue.

    I then retain my own surveyor, who goes through everything and concludes that it was clearly a prop strike.

    The insurer then hires a hack out of Michigan, who spends the first 10 pages of his report trashing the boat--admitting in the end that none of it pertains to the issue at hand, then reaffirms the metal fatigue theory, not even bothering to address the propeller damage nor bothering to interview any of the professionals who actually disassembled the boat on haul out and observed the damage first hand.

    Mind you, this isn't an effort to get a bunch of unnecessary work done on the insurance company's back either. I had the propeller and rudder refurbished, rather than replaced. I sourced the transmission out of Florida because it was cheaper, and I didn't have to pay the sales tax. The work done was necessary to fix the problem, and that's it.

    This insurer's playbook is to default to 'metal fatigue' or 'wear and tear' to avoid paying claims. I have little doubt that their final denial letter is going to cite the allegedly poor overall mechanical condition of the vessel, as a further basis to deny the claim. I can't wait.

    PS I am now having the fuel fill lines replaced, and am changing out the fuel/water separator with one approved for gasoline engine compartments.
     
    Last edited: Feb 23, 2021
    douglee25 and Chris-380 like this.
  6. bfernald0

    bfernald0 Member

    42
    May 18, 2020
    Marina del Rey, California
    340 Sundancer 2001
    8.2L Mercruiser ECT Horizons
    At time of purchase in 2019. Right off the showroom floor...

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    douglee25 and Chris-380 like this.
  7. Eluther3

    Eluther3 Active Member

    128
    Mar 17, 2019
    1992 Searay 400 EC
    Mercruiser
    Been following this post because my boat is insured with Progressive. Some of you may have seen my other post about freeze damage in Texas. My boat had minimal damage (replacing strainers) but the boat next to me (39 foot Mainship) took on two feet of water in engine room and cabin. He's also insured with Progressive so I'm interested to see what happens with his boat. Will keep you posted
     
    Groucho, firecadet613 and douglee25 like this.

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